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H. Humbert
SFN Die Hard
USA
4574 Posts |
 Posted - 02/28/2013 : 14:42:05
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My wife got a bill from a debt collector today about an old Verizon charge that had long since been settled. The total amount was for $94.91, but they informed her that for a limited time they would be willing to accept only half of that. $47.46.
Then, in the middle of the page, I see this statement:| WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor’s right to sue you to make you pay the entire debt may START AGAIN. |
So they announce in print they have no longer have any legal right to pester her for this money, and in fact if she gives them any money at all she may be placing herself back on the hook for the entire amount. What a deal!
Obviously enough people are scared by yellow envelops and red letters demanding payment to make this scam profitable.
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"A man is his own easiest dupe, for what he wishes to be true he generally believes to be true." --Demosthenes
"The first principle is that you must not fool yourself - and you are the easiest person to fool." --Richard P. Feynman
"Face facts with dignity." --found inside a fortune cookie |
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sailingsoul
SFN Addict
2830 Posts |
Posted - 02/28/2013 : 16:15:17 [Permalink]
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Originally posted by H. Humbert
Obviously enough people are scared by yellow envelops and red letters demanding payment to make this scam profitable.
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Moral of the story?? Know your rights and read the fine print. To catch a fish, you have to go fishing. Your right, it's a typical fishing trip. Good eye H.H.. |
There are only two types of religious people, the deceivers and the deceived. SS |
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the_ignored
SFN Addict
2562 Posts |
Posted - 02/28/2013 : 16:48:36 [Permalink]
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Thank goodness for that law, whatever it is!
Shit.... |
>From: enuffenuff@fastmail.fm
(excerpt follows):
> I'm looking to teach these two bastards a lesson they'll never forget.
> Personal visit by mates of mine. No violence, just a wee little chat.
>
> **** has also committed more crimes than you can count with his
> incitement of hatred against a religion. That law came in about 2007
> much to ****'s ignorance. That is fact and his writing will become well
> know as well as him becoming a publicly known icon of hatred.
>
> Good luck with that fuckwit. And Reynold, fucking run, and don't stop.
> Disappear would be best as it was you who dared to attack me on my
> illness knowing nothing of the cause. You disgust me and you are top of
> the list boy. Again, no violence. Just regular reminders of who's there
> and visits to see you are behaving. Nothing scary in reality. But I'd
> still disappear if I was you.
What brought that on? this. Original posting here.
Another example of this guy's lunacy here. |
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Kil
Evil Skeptic
USA
13477 Posts |
Posted - 02/28/2013 : 17:02:47 [Permalink]
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Originally posted by H. Humbert
My wife got a bill from a debt collector today about an old Verizon charge that had long since been settled. The total amount was for $94.91, but they informed her that for a limited time they would be willing to accept only half of that. $47.46.
Then, in the middle of the page, I see this statement:| WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor’s right to sue you to make you pay the entire debt may START AGAIN. |
So they announce in print they have no longer have any legal right to pester her for this money, and in fact if she gives them any money at all she may be placing herself back on the hook for the entire amount. What a deal!
Obviously enough people are scared by yellow envelops and red letters demanding payment to make this scam profitable.
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Bottom feeders. They are probably getting some percentage of people who pay, as you said. And for that amount, no one is going to file. |
Uncertainty may make you uncomfortable. Certainty makes you ridiculous.
Why not question something for a change?
Genetic Literacy Project |
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ThorGoLucky
Snuggle Wolf
USA
1487 Posts |
 Posted - 02/28/2013 : 17:45:38 [Permalink]
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Originally posted by Kil
Originally posted by H. Humbert
My wife got a bill from a debt collector today about an old Verizon charge that had long since been settled. The total amount was for $94.91, but they informed her that for a limited time they would be willing to accept only half of that. $47.46.
Then, in the middle of the page, I see this statement:| WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor’s right to sue you to make you pay the entire debt may START AGAIN. |
So they announce in print they have no longer have any legal right to pester her for this money, and in fact if she gives them any money at all she may be placing herself back on the hook for the entire amount. What a deal!
Obviously enough people are scared by yellow envelops and red letters demanding payment to make this scam profitable.
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Bottom feeders. They are probably getting some percentage of people who pay, as you said. And for that amount, no one is going to file.
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Debt collector's "settlement offer"
